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The reason to install a dash cam in your car was originally to avoid arguments over insurance claims following cash for crash claims. These claims come about following an incident whereby a driver swerves in front of you, brakes hard, giving you virtually no time to stop causing you to run into the back of their car.

The driver and the passengers of the car in front all claim for whiplash injuries whilst you lose all your no claims bonus. With dash cam evidence the police can carry out an investigation and often prosecute the driver of the car in front on a variety of charges.

However, whilst dash cams are one of the biggest selling gadgets right now and Citroen have started fitting them as standard in their latest C3 to combat cash for crash crime, there are other reasons why you should install dash cams. They are invaluable for general claims as insurance companies become increasingly lazy.

In a recent case I read about a young driver who was sitting stationery in a backed up queue on a roundabout, when another impatient driver decided to take a quick route then cut in modifying the front end of her car. She was clearly not at fault so she claimed through her insurer for the repairs only to find that the other driver had made a claim against her insurance company, not only for repairs but also, guess what? Yep, whiplash.

The advice from her insurance company was to accept liability as in court a judge would be unlikely to find in favour of a newly qualified driver having an accident on a roundabout. That is a disgrace. However, had the young driver, whose premium was already ridiculously high and set to go higher, had a dash cam fitted the case would have been open and shut.

So isn’t it about time that manufacturers followed Citroen’s lead and started to install cameras as standard into the back of the rear view mirrors to help drivers to keep on the road and minimise claims times and costs as well as help police investigating accidents? After market dash cams are unsightly with wires dangling which puts drivers off installing them but maybe if the insurance industry and car manufacturers got their heads together we could see an end to cash for crash, quicker claims turnarounds, a decrease in insurance premiums, less time spent by police investigating accidents and more prosecutions. GH climbs down off soapbox for a sit down and cup of tea! By Graham Hill

If you need to have your windscreen replaced you normally check with your insurance company first who has an arrangement with one of the national windscreen replacement services such as Autoglass. The replacement is arranged between your insurer and the replacement company and all you do is pay your excess to the windscreen replacement company at the time the work is carried out.

All pretty straight forward but did you know that after a modern windscreen is replaced, in many instances these days, the driver assistance systems need to be recalibrated. In a report prepared by Autoglass it was found that 68% of motorists were not following advice to have their safety systems, such as autonomous emergency braking and lane keeping assistance, re-aligned after a windscreen has been replaced.

Following a windscreen replacement Autoglass explained that the cameras needed to be re-calibrated to ensure that they were aligned properly. They went on to explain that as little as one degree out could prevent the car from reading the road correctly. It is anticipated that accurate systems have the potential to save 1,100 lives and prevent over 120,000 casualties over the next 10 years. In 2015 just 2% of cars that had windscreen replacements needed to be re-calibrated.

However, by 2020 this is set to rise to over 40% of all new cars having driver assistance systems fitted. They also reported that when drivers were told by them that a re-calibration would be required and they contacted their main dealer the dealer admitted to knowing nothing about this requirement.

As a result Autoglass has rolled out a nationwide calibration programme that means that their technicians will be able to re-calibrate 96% of all cars. Unfortunately the 96% had not included Britain’s biggest selling car, the Nissan Qashqai when a driver recently had a problem following a screen replacement and Autoglass couldn’t fix it. He visited his local dealer who didn’t know what he was taking about.

Fortunately, according to Auto Express, Autoglass came up with their own solution and the car is now working just fine. But it’s a question you must ask after a screen replacement, does the car need to be re-calibrated once the replacement has been carried out? If it isn’t done you could be putting yours and any passengers’ lives at risk. By Graham Hill

Now here is something really interesting that proves you can learn something new every day! And this piece of information could affect every single driver with his own insurance as well as companies running fleet cars. It all came about after I read a question regarding 3^rd party damage, following a car accident, when the damage is caused to local authority owned property.

For example if you were to hit a road sign or street light or maybe smash into a bollard or worse still damage barriers or even the road surface. I was shocked to read that a company running a fleet of vehicles was billed £46,000 for barrier repairs without realising the length of the replacement barriers.

The warning was raised by claims management company actually called Claims Management & Adjusting. They had found that in particular fleet operators were being targeted by local authorities for some obscene repair costs. As it turned out the claim mentioned was for a much shorter stretch of barrier as the authority had claimed in yards but the length was only a third as the measurement was actually in feet, not as stated in yards.

After pointing it out the claim was written off. The claims company also claimed a success when an invoice for £56,000 worth of re-surfacing work was challenged after obtaining information under the Freedom Of Information Act that showed a larger stretch of road had been repaired for £750.

It would seem that not only are there a few disproportionate claims for damage but Highways England has allowed certain contractors to decide upon charges and repairs without further reference as long as the claims were under a threshold, commonly £10,000. This caused me to look further into this situation and what a can of worms it turned out to be.

Most people are of the opinion that you only have to report an accident to the police and your insurance for the following reasons; if someone has been injured (report to police and insurance), there is a claim going to be made against you by another motorist (insurance only) or you are going to make a claim on your insurance for damage repairs to your own car or your contents/passengers (insurance only).

However, knock down a bollard and cause little or no damage to your car you may think that this is the responsibility of the local authority and simply drive off. In fact you have caused damage to a third party’s property so by driving off you could be committing a criminal offence. But then you may think that no-one saw you so where is the evidence but with CCTV cameras and people with mobile phones everywhere you may find that several weeks later you receive a bill for the damages.

But having not reported the accident to your insurance company within a certain period (see your policy) they may no longer be obliged to pay out. It seems  that it can take several months for a local authority to make a claim against a driver. Whilst I’m told that every car insurance policy will cover you for third party damage, that isn’t just someone else’s car or someone’s front wall, it also covers you for what is known as ‘street furniture’ which includes road signs, bollards, hoardings etc.

But if you fail to meet the terms and conditions of your insurance policy or they can prove contributory negligence you could be facing a hefty repair bill. In addition you are obliged to stop after an accident and pass your details to anyone involved or the owners of property that has been damaged. If there are no casualties you don’t have to involve the police.

However, if you have damaged privately or authority owned property you must report the accident to the police if the owner of the property is not available to take the details from you. So as you can see this is a bit of a minefield and what may have seemed like a minor accident could potentially leave you thousands of pounds out of pocket! By Graham Hill

Are our roads safe enough? Safety organisations and fleet operators think not and are calling for a re-introduction of safety targets called ‘road safety reduction targets. They were first introduced in 1987 but were axed by the Government in 2010.

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The targets were believed to have helped to reduce road deaths and serious injuries on the road each year. Whilst the targets were discontinued in 2010 the road safety community believe that we are now missing a vital component in the tools that make roads safer.

Trade journal, Fleet News, along with the ACFO and the BVRLA have joined forces to try to convince the Government that they need to re-introduce the targets. However, the DfT have said, ‘Britain continues to have some of the safest roads in the world, but every death is a tragedy and we are determined to do more.’

He went on to explain, ‘We are making sure we have the right legal, education and investment frameworks in place to make our roads safer. We have already introduced new laws, given the police tougher powers to tackle dangerous driving and are investing billions to improve the conditions of our road network.

Local authorities are best placed to decide how to use these frameworks to make their roads safer, rather than having centralised national targets.’ Richard Owen, Road Safety Analysis operations director, pointed out that the current Government was opposed to use targets to dictate policy. He said, ‘An example of this is hospital waiting times. This was forcing hospitals to meet numbers and it was having a detrimental impact on patient care.’

However, UK safety bodies believe that targets do make a difference. There is a wider EU target to reduce road fatalities by 50% by 2020, but a lack of clear UK targets takes away focus and sends a message that road safety is not a priority. The DfT’s Reported Road Casualties In Great Britain Annual Report 2014 shows that 1,775 people died on the roads (a 4% increase on the year before). A further 22,807 were seriously injured (a 5% increase).

Casualties of all severities rose to 194,477 in Great Britain in 2014, an increase of 6% over 2013, interrupting a steady downward trend since 1997. Pedestrians and bike riders bore the brunt of the increase. Pedestrian deaths increased by 446, an increase of 12%, accounting for three quarters of the overall rise in fatalities. Serious injuries to cyclists rose by 8% to 3,401continuing a long term trend that has been ongoing since 2004.

In response to the figures Julie Townsend, deputy chief executive at safety charity Brake commented, ‘We should be under no illusions as to the seriousness of these figures’. Brake join forces with the RAC Foundation and the Institute of Advanced Motorists in calling for the re-introduction of Safety Targets. I find myself agreeing. By Graham Hill

You know how sometimes you see an idea and think ‘that is completely dopey.’ Then after a while you think, ‘actually that wasn’t such a bad idea’ but then after further mental analysis decide it was pretty dopey after all? Just me then eh? But this is what I thought when I read an article based on the proposal by the Institute of Advanced Motorists (IAM) as the driving test reached its 80^th birthday earlier this year.

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They suggested that we should incorporate eco driving into the driving test. Using a scheme similar to that used by Austria of all places. They carry out an initial assessment, as we do, but after a probationary period they carry out a further examination made up of 5 parts. Moving towards dopey. During the probationary period they operate zero tolerance towards driving offences and blood alcohol levels.

Not so dopey, then the new drivers undergo 2 x fifty minute improvement lessons within 2 to 4 months of the first practical test. A day’s further training with a drive psychologist and 2 more 50 minute advanced improvement driving courses complete the test. It all sounds very admirable (and expensive) but with gallons of testosterone flushing around the arteries of our young drivers will all this make the slightest of difference?

Having said that I would like to see all new applicants, as a prequel to their theory test, have to watch the films shown on the speed awareness courses. So summing up I think the idea is pretty dopey and I’m not alone. Graham Hurdle, MD of E-training World pointed out that the driving test has massively evolved since its introduction in 1935 but if we tighten things up too much it will drop the pass rate which would have a substantial effect on the economy as driving keeps business moving (no pun intended).

The driving test can only ever be a snapshot of a driver’s ability at the time he or she takes their test but would the proposals prevent more accidents amongst new drivers? Probably not! If you have a view drop me a note. By Graham Hill

I know we seem to be a nation of moaners in this country when it comes to weather conditions but there are few other countries in the world where they have a huge expanse of water on one side and the equivalent to a duck pond the other. Walk north for a few miles and you are stepping onto a glacier but take a few steps in the opposite direction and you’re negotiating sand dunes.

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And it doesn’t stop at ground level, racing around above us, when it feels like it, is the notoriously unpredictable jet stream. Add it all together and we end up with cars, the majority of which still don’t have air conditioning as standard because ‘it’s never that hot for that long’, and heating systems that don’t seem to have changed much since my dad’s Ford Consul.

But when it comes to adapting to weather conditions there is something we need to do, which the Government has the power to change and that is British Summertime. Not because of the inconvenience of re-setting your watch, phone, tablet, computer, laptop, electric toothbrush and all things electric twice every year but it is also dangerous.

Pedestrians have long made the argument against the annual change but statistics regarding car accidents are continue to add weight to the argument that we need to revert to GMT all year round. Typical of us Brits, we invent time by way of Greenwich Mean Time, the standard against which time around the world is measured, then we quite randomly add on the odd hour, then remove it a few months later for reasons that are now lost in the mists of time (I’m sure someone will enlighten me).

But this is all getting serious, as I witnessed myself a couple of days ago. At this time of year, when the skies are clearer and the sun at its most powerful, it reaches eye level during the rush hour. This, according to the AA has led to a quadrupling of head on crashes with lorries, believed to be caused by the long shadows cast by lorries, made even more dangerous when cars are turning.

Glare (Photo credit: theevilmightyf)

As a result the AA has come up with some suggestion to help prevent accidents:

• Always keep the windscreen clear both inside and out. I always keep a glass cleaner spray and kitchen roll in the boot to clean the outside, especially useful towards the end of the summer when bugs splatter themselves on your windscreen.
• If blinded slow down immediately. It is tempting to carry on regardless to let the glare pass but by then it may be too late.
• If driving at sunset, anticipate the effects of glare on you and other drivers. Drivers heading west or through terrain where the sun may appear suddenly need to expect to travel more slowly than usual.

I really do think we should be taking another look at the need to adjust our time twice every year. By Graham Hill

Related articles

• Dazzling road safety danger exposed (telegraph.co.uk)

How safe do you feel driving to work on a Monday morning? If the statistics produced by swiftcover.com are anything to go by you should feel less safe than any other day of the week. According to their 2013 claim data drivers were more likely to have a driving incident resulting in a claim on a Monday (17%) than any other day of the week.

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You are 36% more likely to have a windscreen claim on a Monday than any other

A car crash on Jagtvej in Copenhagen, Denmark. (Photo credit: Wikipedia)

day, their statistics showed that the average was 10,000 on a Monday compared to the daily average of 7,922. Monday also sees a rise in single vehicle incidents, i.e. a car that hits a bollard or lamppost with no other vehicles involved. So what are the reasons for this higher number of incidents on a Monday?

Maxine Tighe, head of motor claims at swiftcover.com, suggests that it is the result of bleary eyed motorists recovering from the weekend and trying to get back into work mode lacking concentration. They found that whilst Monday was a bad day for single vehicle collisions Friday was the worst for multi-vehicle collisions as people dash home for the weekend, especially during the rush hour mayhem.

The weekend is safest as there are fewer cars on the roads. On the other hand loss of keys, vandalism and theft all rise on a Saturday and Sunday as cars are more at risk parked outside homes. How very very interesting swiftcover.com! Yawn!

Over the years there have been many reports about claims management companies, otherwise known as ‘ambulance chasers’ allegedly paying off police, health staff and insurance staff for details of anyone involved in car accidents. They then contact the driver to see if he or his passengers suffered any personal injuries and offering to manage any claims, whether injuries were suffered or not.

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In extreme cases those involved in accidents have been ‘encouraged’ to make a personal injury claim after suggesting that a little bit of residual back pain could be whiplash. They also provide a management service including a hire car that is recharged to the insurance company.

You could often deal with these things much more efficiently yourself or via your broker than using the claims management company who have been known to recharge the insurance company with the cost of renting a BMW and providing a Citroen C1 (that’s nothing like a BMW).

The latest occurrence of this crime was a crooked staff member working for AVIVA Insurance who passed on details of accident claims to claims management companies. Drivers started getting calls from several claims management companies offering their services – free of charge following an accident.

They would say that they would look after the whole of the accident claim on your behalf. One gentleman had a simple bang into his neighbour’s car which was settled immediately, he then had up to 5 calls a day from accident management companies offering legal advice to cover his ‘injury claim’ when there clearly wasn’t one.

The AVIVA employee has been sacked and an investigation is being carried out by the police and AVIVA have confirmed that no personal or medical data has been passed on and apologised. Their advice, which is the same as mine if phoned, is simply say the claim has been settled and hang up.

They are charlatans trying to make a quick buck whilst increasing all our premiums. I’m sure, whilst greed exists, we haven’t heard the last of this type of crime. Just don’t get into a conversation whenever they call. By Graham Hill

You know when someone mentions something you see them everywhere. For example someone will say ‘Haven’t seen many magpies about for a while and you agree, only to be confronted by acres of the damned things like a scene out of the Hitchcock thriller, The Birds. A couple of weeks ago it was pancakes, couldn’t move for them and as for Easter eggs I won’t even go there (Morrisons buy one get one free).

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But on a serious note I was reading about seat belts and the wearing thereof. In this enlightened age and probably down to the fact that I, along with all my passengers just click up every trip without even giving it a second thought, I believed that the non wearing of seatbelts was a thing of the past.

I even have to belt up my weekly shopping when I put it on the back seat rather than put up with the warning light flashing on the dashboard and the warning ding that gets progressively louder till it drowns out the stereo. But after reading about seatbelts I saw a ridiculous number of drivers unbelted. I couldn’t believe it.

Not only do seatbelts save lives you can also face a very nasty fine and points on your licence. Last year the fixed penalty increased from £60 to £100 along with 3 points on your licence. But what many don’t understand is that the maximum fine for not wearing a seatbelt is actually £500, it is up to the officer who stops you whether to give you a fixed penalty or send you to court so please don’t endanger your life or those of your passengers, make sure to belt up every trip especially if you think you won’t have an accident when popping round the corner to the shops, that’s when most accidents happen.

I have had two cars written off within 100 yards of where I lived at the time. Neither of which was my fault by the way. Oh and finally a bit of good advice from a doctor, when you fasten the seatbelt make sure the belt does NOT sit on your stomach. The belt should fit below the stomach and across the hips.

Illustration of a three-point seatbelt. (Photo credit: Wikipedia)

Make sure you check this next time you get into the car, there are normally adjusters in the door pillar mountings for drivers and front seat passengers to position the lap belt in the right place. By Graham Hill

Related articles

• Over 100 fail to belt up (norfolk.police.uk)

When Nissan launched the Qashqai 360 that featured all round cameras (360 degrees – get it?) they probably didn’t realise that the cameras could be adapted to record accidents. Whilst Nissan and others started to mount cameras on their cars to assist with parking others were developing in car cameras that would record the bad behaviour of other drivers and record accidents for use in claims.

Thinking of a change but unsure as to the best way to finance your car? Then you need a copy of my car finance book, Car Finance – A Simple Guide by Graham Hill. Click on the link below to buy the best car finance book on the market, available as a Kindle Book and Paper Back.

Camera provider Smart Witness said that they have seen a 40% increase in sales of cameras to those wanting to avoid losing their no claims discount in crash for cash cases. The cameras automatically record everything that happens and can be switched on manually or activated by sudden braking such as in a crash.

Simon Marsh of Smart Witness said ‘It takes all the stress out of a road traffic accident. Liability is quickly established and claims can be settled much more quickly and without disputes.’ But this is likely to change as car mounted cameras, fitted by the car manufacturer, could be slightly modified to do the same thing with the recorded evidence sent via the driver’s smartphone to his or her insurance company.

With cameras mounted all round the car, as with Nissan they could even record damage being inflicted on the car by vandals – now there’s an interesting thought. By Graham Hill

Related articles

• Introducing The New Nissan Smart Camera Technology (dipstix.co.uk)